I returned two rings on November 30, 2008. Late December 2008 I received a collection call. I asked why, I was told only one ring credited. I asked where second ring was, they said not received. I had sent both back in one package. Late fee was credited. I paid by phone WITH a pay by phone fee. An affidavit was sent Dec. 31, 2008 to dispute. January 9 I received with only 3 days to return.
I returned USPS signature required. It was signed according to tracking number January 10, 2009. Late January 2009 I received a phone call saying bill was due. I paid again with a pay by phone fee, and I asked why the ring was still not credited. They said affidavit can take 30 days. Feb 10, 2009 I called and now I am being told they don't have the affidavit (when it has been 30 days), in which I have proof that it was received via the USPS tracking confirmation.
Customer service was rude, told me they would not credit until researched. I said no research now, it has been 30 days and I have fulfilled my end of the bargain. I then asked WHY am I being billed, a 24.9% APR, finance charges and minimum payment due when the Billing Rights Summary on reverse of statement, which is protecting me under the Fair Credit Billing Act states that I do not have to pay the disputed amount.
This is under investigation according to Customer Service, and I stated that this falls under a billing dispute and I should not owe any longer until it is resolved, which is the entire $52.40 balance. They refuse. I asked for Manager, they refused. They said they will refer to billing. This is unfair, it has been past the time allotted by their agreements, I followed my end, and now I am being denied my right under the Fair Credit Billing Act per the Billings Rights Summary on the Fingerhut reverse side of the bill.
I called back and paid by phone to pay the balance to zero. I have requested my account closed. NOW comes the test..FILED a complaint with the BBB AND having PAID it off AND closed it...we'll see what they do. HERE's what I demanded:
I now request that under my formal complaint:1) Fingerhut explain to me why I was not forgiven the payments (prior to paying it off) according to their Billing Rights Summary2) Why I am at fault for an affidavit that I have proof was received they claim they do not have3) A check in the amount of the total of the following (because I have paid the balance in full when I returned merchandise): a) The price of the ring in question (roughly $59) b) The cost of the two pay-by-phone with live rep charges in December and January (I believe they were 4.95 or 6 dollars each) c) The finance charges that were assessed December, January and February d) The pay-by-phone electronic fee of $1 on Feb 10 e) 60*.35cents = $21 for the time on my cell phone to dispute this matter in which I was passed to three people Feb 10 with no resolution, rude service, and breach of the Billing Rights Summary